Citi AAdvantage Platinum Card Review (2021)

Filed Under: American, Citi
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Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
2x miles
on eligible AA purchases
domestic checked bag
no foreign
transaction fees
Annual Fee: $99, waived for first 12 months
| The card details for the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® have been collected independently by OMAAT and have not been reviewed or provided by the card issuer.

Airline credit cards are among the most popular types of credit cards out there. Many people may be loyal to an airline because of where they live or their travel patterns, and picking up a co-branded airline credit card seems like the most logical way to extend that relationship.

Citi AAdvantage Platinum Card basics for April 2021

American Airlines credit cards are issued by both Citi and Barclays, and in this post, I wanted to look at the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, which is one of American’s most popular credit cards.

This card has a big welcome bonus, an annual fee that’s waived for the first year, and offers some useful perks if you frequently fly American. So, who should be considering applying for this card? Let’s break it down, point by point.

Earn 60,000 Miles

The Citi AAdvantage Platinum Card is offering a bonus of 60,000 AAdvantage miles after spending $3,000 within the first three months. That’s a pretty reasonable spending requirement.

I value American miles at ~1.4 cents each, so to me those 60,000 miles are worth about $840.

Note that the bonus miles aren’t available to those who have received a new cardmember bonus for this card in the past 48 months (however, you are eligible if you’ve had a different American Airlines credit card).

Then there are the typical rules for Citi credit card applications, which includes that you can apply for at most one card with them every eight days, and at most two cards every 65 days.

Redeem American miles for Etihad’s 787 business class

$99 Annual Fee, Waived The First 12 Months

The Citi AAdvantage Platinum Card has a $99 annual fee, though it’s waived for the first 12 months. This is a great way to try the card before you have to really pay for it.

You can also add authorized users to the card at no extra cost.

Rewards Structure

When it comes to actually spending money on the card, the card does have a few bonus categories:

There are no limits to how many miles you can earn with this card.

No Foreign Transaction Fees

The card has no foreign transaction fees, so this can be a good option for purchases you make abroad.

Use this card for purchases abroad and pay no foreign transaction fees

Citi AAdvantage Platinum Card Benefits

In addition to the great welcome bonus, there are some other reasons to get the Citi AAdvantage Platinum Card, which could cover the annual fee over and over. Unfortunately, I don’t consider the benefits to be quite as strong as some other airline cards.

So here’s what you need to know about all the perks offered by this card:

First Checked Bag Free

Receive a first checked bag free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation. There’s no need to actually pay for the ticket with your card, you just have to make sure it’s linked to your AAdvantage account.

American ordinarily charge $30 for the first checked bag, so that’s a $60 value per person roundtrip (and if you had four companions all checking a bag, that would be a value of $300).

$125 American Airlines Flight Discount

You can receive a $125 American Airlines flight discount after you spend $20,000 or more on purchases during your anniversary year and renew your card. Personally, I don’t think this is worth it, since I think there are better credit cards on which to spend $20,000.

World Elite Mastercard Perks

This is a World Elite Mastercard, meaning that it comes with quite a few benefits you may not be familiar with. For example, Mastercard World Elite cardholders receive:

  • A $10 Lyft credit after every five rides taken in a calendar month
  • $5 off every Postmates order of $25 or more

Is The Citi AAdvantage Platinum Card Worth It?

The Citi AAdvantage Platinum Card offers a good welcome bonus with the annual fee waived for the first year. Furthermore, the first checked bag free benefit could more than justify the annual fee after the first year for many.

However, this isn’t a credit card I’d be using for my everyday spending, as there are so many more rewarding options out there. So let’s take a closer look at a few things — how does this card compare to American’s no annual fee card, which cards should you be using for your everyday spending, etc.?

What About The No Annual Fee AAdvantage MileUp Card?

There’s also the American Airlines AAdvantage MileUp℠ Card, which has no annual fee and offers some potentially valuable benefits, like 2x miles on supermarket purchases, and a 25% savings on inflight food & beverage purchases.

However, I’d still highly recommend applying for the Citi AAdvantage Platinum Card. Why?

  • The card’s $99 annual fee is waived for the first 12 months
  • The card has a much larger welcome bonus
  • If after a year you decide the card isn’t right for you, you should be able to downgrade to the MileUp Card, so you can get a no annual fee option long term

What Cards Should You Be Spending Money On?

In general, I don’t think the Citi AAdvantage Platinum Card is a great option for everyday spending. So depending on whether you want to earn cash back or rewards, I think a few of the otherwise most compelling cards include the following:

AAdvantage Platinum Card Summary

The Citi AAdvantage Platinum Card offers a good welcome bonus with an annual fee that’s waived for the first year. The card also offers some potentially valuable perks, like a first checked bag free on American itineraries, which can quickly cover the annual fee.

However, long term this isn’t a card that I would be spending much money on, as there are better options out there.

You can always get this card and then after a year decide if you want to keep it, or downgrade to the no annual fee AAdvantage MileUp Card.

If you want to learn more about the Citi AAdvantage Platinum Card or apply, follow this link.

Apply Now

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.
  1. Citibank travel card stink now because they carved all the great travel Benefits out. I am using Chase Sapphire now.

  2. One HUGE benefit or AA Miles are the super cheap International Travels. A trip across the globe which would cost me more than $600 is free with 40k AA Miles one way. Combine other CitiAA and Barclays AA and I have saved more than $3000 round trip for my family.

  3. Do this card and the Barclay’s Red Aviator both have the cell phone protection as World Elite cards? I believe this went into effect 7/1, but it’s confusing.

  4. The 10% refund for up to 10k miles per year was a great benefit that they recently cut. That alone justified paying the annual fee in my opinion. Now thinking about downgrading to the Mile Up card.

  5. I don’t get any value from the CitiAA card. They have stopped offering Priority Boarding and everything else, will probably cancel and use Chase Sapphire or downgrade to a Citi card with no pmnts. Does not give me any benefits.

  6. The elimination of car insurance made me cancel. Not sure what Citi is doing, they have eliminated most of the really useful benefits, and actually booking a flight that you want to take with miles is almost impossible (and I used to be a big defender of the Advantage program). Chase Sapphire is a far better card for most benefits with the added bonus of being able to book flights on any airline with no blackout dates. I used to put tens of thousands of dollars on Citi now it all goes to one or another of the Chase cards.

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